Collection techniques include:

1. Problems at work lead to unsatisfactory life.

Words: Mr./Ms. Record, I hope you understand this. It is recommended that you borrow money from relatives and friends first and handle the repayment.

2. The best thing to promise is to not return it.

Words: Mr./Ms. Repeatedly urging you to repay, but it does not rule out that you have committed fraud. If you have money to repay, please deposit it into the repayment account immediately. If you do not have the money, you must use other channels or borrow money from relatives and friends. Take care of the repayments.

Talk: Our phone calls are all recorded. If you continue to delay repayment, we can regard you as maliciously defaulting and suspected of fabricating the repayment facts. According to the company's relevant regulations, we may Pursue your liability for second breach of contract (cancellation of reductions and exemptions, cancellation of installment repayments, forced settlement, etc.).

Words: You are now overdue for x days. According to the contract, if you breach the contract for x days, we will transfer it to the legal department. Your case will be handled by the legal department, and all consequences will be borne by you personally.

3. There is no accommodation month pattern this month.

Words: Mr./Ms. Repayment.

4. I just don’t answer the phone.

Words (SMS template): You have refused to answer our calls for a long time. If you have financial difficulties or other reasons, please tell us frankly. We will try our best to coordinate. If you don’t answer the phone again, I will You will have to contact your relatives and friends, or visit your home or work, or even think that you want to escape debt. Please understand and weigh the adverse effects caused by this.

5. Frequent business trips and never come home.

Words: You are overdue. Please understand this. Repayment can be made through a variety of channels. You do not have to deposit it into a designated account yourself. You can arrange for relatives or friends to help. You should save first. It is your responsibility to repay on time. This can not only avoid penalty interest but also maintain your credit for repayment. Although it is more troublesome, it is also for your own benefit. Please handle the repayment as soon as possible.